lower rate of increase is that they're really paying off. >> reporter: consumer directed plans are one of the more popular strategies for businesses. they feature higher deductibles, workers. >> the cost of the consumer directed plan is about 20% less than your typical p.p.o. plan which you know, over half of americans that have employer- sponsored health care are enrolled in today, and so even if a few people shift into the consumer directed plan, it does create quite a nice savings for the program overall. >> reporter: but after president obama's re-election, health care reform is on more solid footing. still, that leaves plenty of unknowns, including what state health insurance exchanges will look like. states have until friday to opt in. tomorrow, we'll take a look at state-run exchanges, and some of the other factors that could change the way we pay for health care. sylvia hall, "n.b.r.," whingn. >> susie: tomorrow on "n.b.r." a big day for retail earnings: walmart, target, dollar tree, and gap; all report results.